How to Find Travel Insurance for Domestic Trips (Because Life Happens — Even in Cleveland)

You may not think you need travel insurance for U.S. trips — but if you're flying, renting cars, or spending on nonrefundable bookings, it could save you hundreds.

1. When You Need It

Get coverage if:
- Flights or hotels are nonrefundable
- You're traveling during storm seasons
- You're pregnant or managing health conditions
- You're renting a car
- You're traveling to remote areas

2. What It Covers

Typically includes:
- Trip cancellations/delays
- Lost/delayed baggage
- Emergency medical care
- Rental car protection (optional)

Usually doesn’t cover:
- Pre-existing conditions
- Changing your mind (unless CFAR is added)
- Extreme sports without a rider

3. Single Trip vs. Annual Coverage

- Single-trip: Ideal for one-off getaways
- Annual: Best for frequent travelers

4. Use Comparison Sites

Check:
- Squaremouth
- InsureMyTrip
- TravelInsurance.com
- Forbes Advisor or NerdWallet travel insurance comparisons

5. Best Providers for U.S. Travel

- Allianz
- AIG Travel Guard
- Seven Corners
- Berkshire Hathaway
- World Nomads (limited U.S. perks)

6. Check Your Credit Card First

Some cards offer solid protection:
- Chase Sapphire Preferred/Reserve
- Amex Platinum
- Capital One Venture X

Usually includes trip delay/cancellation and rental car coverage — but not medical.

7. CFAR = Cancel For Any Reason

Lets you cancel for any reason, but:
- Costs more
- Usually reimburses only 50–75%
- Must be purchased shortly after booking your trip

8. Add-Ons That Might Matter

- Collision coverage for rental cars
- Adventure sports protection
- Pet travel insurance

9. Typical Costs

- Single trip: $30–$100
- Annual coverage: $150–$400

Buy based on trip cost and risk — not just fear.

10. Final Tip

Domestic travel can go wrong too — cancellations, weather, illness, rental car damage. Insurance helps keep your trip from becoming a financial disaster. It’s not glamorous, but neither is paying $1,200 to cancel your weekend in Lake Tahoe.